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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $104,592 | $63,354+65.1% | $94,105+11.1% | $82,637+26.6% |
| Participation rate | 61.8% | 63.8%-2.1pp | 71.9%-10.2pp | 68.1%-6.3pp |
| Annual return | 12.96% | 34.36%-21.4pp | 204.55%-191.6pp | 53.51%-40.5pp |
| Employer contribution / active EE | $566 | $1,760-67.8% | $2,504-77.4% | $2,552-77.8% |
| Participant deferral / active EE | $2,731 | $2,873-5.0% | $3,881-29.6% | $4,126-33.8% |
| Admin fee / account holder | $3,974 | $5,073-21.7% | $6,199-35.9% | $7,339-45.8% |